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risk 5 min

How do I check my portfolio for insolvency risk?

Cluster existing customers or business partners by financial health — as an ongoing check, not a one-off spreadsheet export.

What you need

Free, with sample data

Copy the "portfolio-analyst" template into Claude or ChatGPT — no account needed.

Live, for real companies

Risk check for a list of companies — insolvency, deletion, liquidation at a glance.

Set up MCP access

Steps

  1. 1

    Load the template

    Copy the portfolio-analyst template from GitHub into a new Claude Project or a ChatGPT chat.

  2. 2

    Upload a portfolio

    Use the free template's sample data, or pass your own company list live via MCP.

  3. 3

    Get it clustered

    The assistant sorts each company into 🟢 Solid, 🟡 Watch, or 🔴 Risk by profitability and equity ratio.

  4. 4

    Check the outliers

    Look closer first at any company in the 🔴 cluster or without available financials.

Example prompt

Analyze my portfolio.

Example output

CompanyIndustryClusterMetric
TRUMPF SE + Co. KGLaser/manufacturing technology🟢 SolidEquity ratio 58.0% (2024)
Festo SE & Co. KGAutomation technology🟢 SolidEquity ratio 53.4% (2023)
Miele & Cie. KGPremium home appliances🟢 SolidEquity ratio 33.5% (2023)
dm-drogerie markt GmbH & Co. KGDrugstore retail🟢 SolidProfit €173.8m, equity ratio 31.1% (2024)
Zalando SEOnline fashion retail🟡 WatchLoss €94.7m (2022), but equity of €1.84bn
Knorr-Bremse AGBraking/control systems🟡 WatchProfitable, but equity ratio only 25.0% (2020)
Deutsche Lufthansa AGPassenger air transport🔴 RiskLoss €780m (2020, pandemic year)
Bayer AGPharma/agrochemicals🔴 RiskLoss €2.55bn (2020)
Heidelberger Druckmaschinen AGMachinery (printing presses)🔴 RiskLoss €60.1m (2022), no equity ratio available
Deutsche Bahn AGRail freight transport🔴 RiskLoss €4.26bn (2023, holding-level figures, not consolidated)

Overall assessment: 4 companies solid, 2 to watch, 4 in the risk cluster. Notable: several loss years trace back to 2020 (likely pandemic-related) or reflect holding- rather than group-level figures (Deutsche Bahn) — both limit comparability and should be checked before any decision.

This is a qualitative heuristic, not a validated risk model — the data source is the real Implisense skills sample data (10 companies). Live, the portfolio_risk MCP tool checks up to 100 companies with real risk flags (insolvency indicators, credit-rating trends).

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